| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAVITT GROUP3 Filed as: LEAVITT INS AGENCY OF SAN DIEGO | — | UNITEDHEALTHCARE | $77K | — | $77K | 5.06% |
| LEAVITT GROUP3 Filed as: LEAVITT GRP AGENCY OF SAN DIEGO | — | ANTHEM | $9K | — | $9K | 8.38% |
| ERIK G LILJENWALL3 Filed as: ERIK ROSS GOMEZ | — | NORTHWESTERN MUTUAL | $4K | $967 | $5K | 14.79% |
| MULROY INSURANCE AGENCY LLC3 Filed as: MULROY INS AGY LLC | — | NORTHWESTERN MUTUAL | $761 | $91 | $852 | 2.64% |
| ERIK G LILJENWALL3 Filed as: ERIK ROSS GOMEZ | — | NORTHWESTERN MUTUAL | $1K | $347 | $2K | 12.74% |
| MULROY INSURANCE AGENCY LLC3 Filed as: MULROY INS AGY LLC | — | NORTHWESTERN MUTUAL | $251 | $30 | $281 | 2.24% |
| ERIK G LILJENWALL3 Filed as: ERIK ROSS GOMEZ | — | NORTHWESTERN MUTUAL | $785 | $217 | $1K | 14.64% |
| MULROY INSURANCE AGENCY LLC3 Filed as: MULROY INS AGY LLC | — | NORTHWESTERN MUTUAL | $157 | $19 | $176 | 2.57% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 106 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE | 244 | $1.5M |
| Dental | ANTHEM | 271 | $110K |
| Vision | UNITEDHEALTHCARE | 244 | $1.5M |
| Life insurance | NORTHWESTERN MUTUAL | 106 | $13K |
| Short-term disability | NORTHWESTERN MUTUAL | 106 | $7K |
| Long-term disability | NORTHWESTERN MUTUAL | 106 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.